One simple rule: the more you process,
the less you pay.
No subscription. No monthly minimum. Your rate is determined purely by your monthly processing volume — automatically. Just pay per transaction.
- ✓No setup or monthly fees
- ✓Everything in Starter
- ✓Priority ACH routing (next-day)
- ✓Batch payment processing
- ✓REST API + Webhook access
- ✓Advanced fraud & risk scoring
- ✓Dedicated account manager
- ✓Priority support (4h SLA)
- ✓No setup or monthly fees
- ✓Everything in Growth
- ✓White-label payment pages
- ✓Custom API integration support
- ✓Dedicated compliance officer
- ✓Custom SLA & contracts
- ✓Same-day ACH settlement
- ✓24/7 phone + Slack support
All five tiers.
Every rate, transparent.
Rates are applied automatically based on your actual monthly volume. No action needed from you.
| Monthly Processing Volume | Rate | Per Transaction | Volume Scale | Example Cost |
|---|---|---|---|---|
| $1,000 – $25,000 | 5.95% | + $0.50 | $595 on $10K | |
| $25,000 – $50,000 | 4.95% | + $0.50 | $1,485 on $30K | |
| $50,000 – $100,000 | 3.95% | + $0.50 | $1,975 on $50K | |
| $100,000 – $200,000 | 2.95% | + $0.50 | $2,950 on $100K | |
| $200,000 and above | 1.95% | + $0.50 | $3,900 on $200K |
eCheckPlan vs. the alternatives
| Feature | eCheckPlan | Typical ACH Processor | Bank Wire Transfer |
|---|---|---|---|
| Monthly / Setup Fee | $0 | $20–$50 / month | $15–$35 per wire |
| Transaction Rate | 1.95%–5.95% | Flat $0.25–$1.50 | Flat fee only |
| Volume Discounts | ✓ Auto-applied | ✗ Manual negotiation | ✗ None |
| Check 21 / IRD Compliant | ✓ | Varies | ✗ |
| Same-Day ACH | ✓ (Enterprise) | Add-on fee | ✓ |
| REST API Access | ✓ (Growth+) | Limited | ✗ |
| Cancellation Fee | $0 | $100–$500 | N/A |
| High-Risk Verticals | ✓ Accepted | ✗ Often declined | Case by case |
Why teams switch to eCheckPlan
""No monthly fee was the deciding factor. We only pay when we process — exactly how a payment platform should work. Our AP costs dropped 40% in the first quarter.""
""We process around $80K a month. At 3.95% we're saving thousands compared to our old processor. No contracts, no setup — we were live in a day.""
""As a freelancer I don't send checks every month. With eCheckPlan I pay nothing in the months I don't process. The only eCheck solution worth using.""
See exactly what you'll pay
Enter your expected monthly volume and number of transactions to get an instant cost estimate.
Frequently asked
Pay only when you process.
No subscription. No minimum commitment. Get started today and only pay a small percentage when you send your first eCheck.
